Something that can happen when your financial situation becomes difficult is that you might find yourself falling behind on your mortgage. You may be forced to “juggle bills,” trying to maintain a balance between keeping food on the table, your utilities connected and your other bills paid, but it can all come crashing down if your home ends up going into foreclosure.

Making matters possibly even more difficult is that New Jersey is a difficult environment for foreclosures right now, with many homes caught in the process. Being what is referred to as a judicial foreclosure state, New Jersey foreclosures can be time-consuming and legally arduous to experience.

There is an adage, “Desperate times call for desperate measures,” but when it comes to keeping possession of your home, making back-against-the-wall decisions and acting out of desperation is something that you want to avoid. Prematurely abandoning your home, or immediately filing for bankruptcy, may be avoidable if you can step back from the immediate financial pressures you are facing and consider all of the options available to you.

But how do you do that? How do you know what other avenues of debt relief and avoiding foreclosure there are? How can you make use of them? Who can you turn to for help?

At William H. Oliver, Jr. & Associates, we understand what it means to confront these questions. Helping our clients to find ways to avoid needless foreclosures is something that we have considerable experience with.

We can help you to identify possibilities and options that you might not know are available to you. We can assess your current situation, work with your home lender, and assist you in choosing the best solution for your individual circumstances.

You can contact us for a free initial consultation, even during evenings or on Saturdays if need be. We also have a website with information on foreclosure, if you want to learn more about us and how we can help before getting in touch with us.